How to afford building a house and buying land today?

In principle, real estate is not suitable for saving.
Here a fitting, there

I see it differently. I consider the interest as rent, the repayment as a savings installment. The money is not lost but (in most) cases well invested.
As a tenant, I also have to invest money, keyword minor repairs and cosmetic clause. Or because I acquire a built-in piece of furniture or something similar. I prefer to spend this money on my house than on an apartment that does not belong to me.

I think that in most cases, rent and buying cannot be compared either, because you usually build bigger/better equipped than you rent.

listen......the resonance of the topic is quite large!

Yes, of course. Threads without a defined question, so chit-chat threads, even prompt the lurkers here to leave their note.

I found the first answer unserious.

A question to you cannot be an unserious answer. And if you really mean that, then your wife must have an unserious profession. Simple drawers can be opened very easily. That’s how simple your logic is

Is it bad to provide for the family when your own mother lives in old-age poverty? A disgusting statement from you!

You should leave personalities out of this. A neutral piece of information would have sufficed for the one who asked here. No “you” spoke badly or disgracefully devalued it.

Mathematics (except when it comes to house building calculation) may be excellent with you, but the rest needs revising. Ability to accept criticism is deficient ops:

Edit: “with you”

Yes, of course. Threads without a defined question, so-called chit-chat threads, even encourage the lurkers here to leave their note.

A question to you cannot be an unserious answer. And if you really mean that, then your wife must have an unserious profession. Simple drawers can be opened very easily. Your logic is that simple.

You should leave personalities out of this. Neutral information would have been enough for the person who asked here. Apparently, no "you" spoke badly or disgustingly devalued it.

Mathematics (except for house construction calculations) might be excellent for you, but the rest needs revision. Ability to accept criticism is poor ops:

Edit: "for you"

I wanted to start a serious thread on the subject of house building and costs. And as a construction manager, I have thick skin, no worries! But anything below the belt will be criticized.

Also, no worries: I can calculate. That’s why no €400,000 loan.

My favorite "pro" argument: Housing costs make up by far the largest fixed cost per month for the average person. Fixing these costs in an inflation-proof way (=ownership) is never a bad idea. I know exactly what my (high-quality) living situation will cost over the next 20 years. Meanwhile, my income increases.

There are other pro/con factors, but at the end of the day, these are luxury problems. In your own house, you are freer, in my opinion.

There are comparative calculations, rent/stocks vs. ownership. On the topic of wealth accumulation. Unfortunately, no one has a crystal ball, but in countries where forming home ownership is significantly easier (and cheaper) than in [D], private wealth is simply higher. This is a look back at the past; whether that will also be true in the future, no one knows.

The word seriös runs quite consistently through your answers - from beginning to end

I wanted to start a serious thread on the topic of house building and costs.

You asked questions that were answered in the first reply. After that, the thread drifted away in your absence. And you also beautifully go off-topic with your "serious" answers. I repeat my question: What is the intention of your thread? What do you really want to know? What input do you want from us?